Secured with SHA-256 Encryption
Select Page

MINI Cooper Insurance Rates [How to Find Cheap Rates]

MINI Cooper auto insurance rates average at $106 a month. Compare rates with this guide so you can find the cheapest MINI Cooper auto insurance quotes in your area. Remember that the age of your vehicle and your age will influence you MINI Cooper car insurance costs.

FREE Insurance Comparison

Compare quotes from the top insurance companies and save!

Secured with SHA-256 Encryption

Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

Full Bio →

Written by

UPDATED: Jul 17, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Key takeaways:

  • Full coverage costs around $1,276 a year or $106 each month
  • A liability-only policy costs around $511 a year or $43 each month
  • Highest rates are for teenage drivers at around $4,664 a year or $389 each month
  • Good drivers can save as much as $526 a year by earning policy discounts
  • MINI Cooper insurance costs around $243 less per year than the average vehicle

MINI Cooper insurance rates are about $243 less per year than the average vehicle, with full coverage for your MINI costing about $1,276 a year or $106 a month. Older MINIs may get away with liability-only coverage, which averages $511 a year or $43 a month. Good drivers can save up to $526 a year with eligible discounts. Let’s look at MINI Cooper insurance rates, safety features, and more.

You can start comparing quotes for MINI Cooper car insurance rates from some of the best car insurance companies by using our free online tool now.

MINI Cooper Insurance Cost

The average MINI Cooper auto insurance rates are $1,276 a year or $106 a month.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Are MINI Coopers Expensive to Insure?

The chart below details how MINI Cooper insurance rates compare to other luxury cars like the Audi A6, Acura TLX, and Audi S8.

Vehicle Comprehensive Collision Liability Total
Audi A6 $382 $744 $398 $1,682
Acura TLX $332 $686 $398 $1,574
Audi S8 $658 $1,368 $398 $2,582
Audi S6 $444 $894 $398 $1,894
Audi S7 $532 $1,250 $398 $2,338
Lexus ES 350 $362 $656 $316 $1,470

However, there are a few things you can do to find the cheapest MINI insurance rates online.

What Impacts the Cost of MINI Cooper Insurance?

The MINI Cooper trim and model you choose can impact the total price you will pay for MINI Cooper insurance coverage.

Age of the Vehicle

The average MINI Cooper auto insurance rates are higher for newer models. For example, auto insurance rates for a 2016 MINI Cooper cost $1,276, while 2010 MINI Cooper rates are $1,064, a difference of $212.

Model Year Comprehensive Collision Liability Total
2016 MINI Cooper $274 $502 $364 $1,276
2015 MINI Cooper $260 $484 $376 $1,256
2014 MINI Cooper $250 $450 $384 $1,220
2013 MINI Cooper $240 $424 $388 $1,188
2012 MINI Cooper $230 $380 $390 $1,136
2011 MINI Cooper $214 $350 $390 $1,090
2010 MINI Cooper $206 $328 $394 $1,064

Driver Age

Driver age can have a significant effect on the cost of MINI Cooper car insurance. For example, a 20-year-old driver could pay around $130 more each month for their MINI Cooper car insurance than 30-year-old driver.

Driver Location

Where you live can have a large impact on MINI Cooper insurance rates. For example, drivers in Jacksonville may pay $765 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of MINI Cooper auto insurance. Teens and drivers in their 20’s see the highest jump in their MINI Cooper auto insurance rates with violations on their driving record.

MINI Cooper Safety Ratings

Your MINI Cooper car insurance rates are tied to the safety ratings of the MINI Cooper. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety

MINI Cooper Crash Test Ratings

Good MINI Cooper crash test ratings can lower your MINI Cooper auto insurance rates. See MINI Cooper crash test results below:

Vehicle Tested Overall Frontal Side Rollover
MINI Cooper 4 4 4 4
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

MINI Cooper Safety Features

The more safety features you have on your MINI Cooper, the more likely it is that you can earn a discount. The MINI Cooper’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Traction Control
  • Auto-Leveling Headlights

MINI Cooper Finance and Insurance Cost

If you are financing a MINI Cooper, most lenders will require your carry higher MINI Cooper coverages including comprehensive coverage, so be sure to compare MINI Cooper car insurance rates from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Ways to Save on MINI Cooper Insurance

You can save more money on your MINI Cooper auto insurance rates by employing any of the following five strategies.

  • Buy An Older MINI Cooper
  • Ask About Student Discounts
  • Ask About Loyalty Discounts
  • Reduce Modifications on Your MINI Cooper
  • Ask About Farm and Ranch Vehicle Discounts

Top MINI Cooper Insurance Companies

Who is the best company for MINI Cooper insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering MINI Cooper insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the MINI Cooper offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

Compare Free MINI Cooper Insurance Quotes Online

You can start comparing quotes for MINI Cooper insurance from some of the top car insurance companies by using our free online tool today.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

Leave a Rating

Your email address will not be published. Required fields are marked *